GST Calculator
Calculate GST with ease, for free.
Everything About Goods & Services Tax (GST)
The Goods and Services Tax (GST) is a landmark indirect tax reform in India, aimed at creating a unified, common national market. It is a comprehensive, multi-stage, destination-based tax levied on every value addition in the supply of goods and services.
The Journey to GST in India
The concept of GST was first proposed in 2000 by the Vajpayee government, which set up a committee headed by Asim Dasgupta to design a GST model. The journey was long and complex, involving constitutional amendments and consensus-building between the Central and State governments. After years of deliberation, the Constitution (101st Amendment) Act was passed in 2016, paving the way for GST. Finally, on July 1, 2017, GST was launched, subsuming a host of central and state taxes like Excise Duty, Service Tax, VAT, and CST into a single tax structure.
Key Features of GST
- Value Addition: GST is levied on the value added at each stage of the supply chain, from the manufacturer to the final consumer.
- Destination-Based: Unlike previous taxes, GST is collected by the state where the goods or services are consumed, not the state where they are produced.
- Input Tax Credit (ITC): A key feature of GST is the ability for businesses to claim credit for the GST they have already paid on inputs (raw materials, services, etc.). This prevents the cascading effect of taxes (tax on tax) and reduces the final cost for the consumer.
Types of GST
India's dual GST model means tax is administered by both the Central and State governments:
- CGST (Central GST): Collected by the Central Government on intra-state (within the same state) transactions.
- SGST (State GST): Collected by the State Government on intra-state transactions.
- IGST (Integrated GST): Collected by the Central Government on inter-state (between two states) transactions. The revenue is then shared between the Centre and the destination state.
- UTGST (Union Territory GST): Levied in Union Territories without a legislature, functioning similarly to SGST.
TDS Calculator
Quickly calculate Tax Deducted at Source.
Understanding TDS
Tax Deducted at Source (TDS) is a system introduced by the Income Tax Department, where the person responsible for making specified payments (such as salary, commission, rent, or professional fees) is liable to deduct a certain percentage of tax before making the payment in full to the receiver of the payment.
Why is TDS Deducted?
TDS is a method of collecting tax at the very source of income. It ensures a regular flow of revenue for the government and eases the burden of tax payment for the deductee (the person receiving the payment) by having tax paid throughout the year, rather than as a lump sum at the end.
Key Concepts
- Deductor & Deductee: The person making the payment is the 'deductor', and the person receiving the payment is the 'deductee'.
- TAN: The deductor is required to obtain a Tax Deduction and Collection Account Number (TAN) to deduct and remit TDS.
- Form 26AS: The TDS deducted is reflected in the deductee's Form 26AS, which is a consolidated annual tax statement. This allows the deductee to claim credit for the tax already paid when filing their income tax return.
Income Tax Calculator
For FY 2024-25 (AY 2025-26)
Deductions (Old Regime)
About Indian Income Tax
Income tax in India is a direct tax imposed on the income of individuals and entities. It is a key source of revenue for the government. The tax is levied based on income slabs, which means different tax rates apply to different ranges of income.
Old vs. New Tax Regime
For individuals, there are two tax regimes to choose from:
- Old Tax Regime: This regime allows taxpayers to claim various deductions and exemptions, such as those under Section 80C (for investments like PPF, ELSS, Life Insurance), Section 80D (for health insurance premiums), HRA (House Rent Allowance), etc. The tax slab rates are generally higher compared to the new regime.
- New Tax Regime: This regime offers lower, concessional tax slab rates but does not allow taxpayers to claim most of the common deductions and exemptions available under the old regime. However, a standard deduction of ₹50,000 is available. It is the default regime, but taxpayers can opt for the old one if it is more beneficial for them.
Our calculator helps you compute your tax liability under both regimes so you can make an informed choice.
Loan EMI Calculator
Plan your loans effectively.
What is an EMI?
EMI stands for Equated Monthly Installment. It is a fixed payment amount made by a borrower to a lender at a specified date each calendar month. EMIs are used to pay off both interest and principal each month, so that over a specified number of years, the loan is paid off in full.
Components of an EMI
Each EMI payment consists of two parts:
- Principal Repayment: The portion of the EMI that goes towards reducing the outstanding loan amount.
- Interest Payment: The portion of the EMI that serves as the cost of borrowing, paid to the lender.
In the initial years of a loan, the interest component of the EMI is larger. As the loan matures, the principal component grows larger while the interest portion decreases.
How EMI is Calculated
The mathematical formula to calculate EMI is: EMI = P × r × (1 + r)^n / ((1 + r)^n - 1), where:
- P is the Principal loan amount.
- r is the monthly interest rate (annual rate divided by 12).
- n is the number of monthly installments (loan tenure in years multiplied by 12).
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Last Updated: June 26, 2025
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Last Updated: June 26, 2025
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